[PhasmaFelis]

I see another issue --- with the CC now looking more real, the user also gets closer to the "physical reality" of "I'm parting with cash". Once I see my card's logo I'm instantly more hesitant. It's been shown that the more "layers" away from real physical payment a transaction is, the "easier" a customer proceeds with it.

Isn't it a good thing, if people are more responsible with their money?

I mean, yes, most web merchants would be much happier if all their customers spent the diaper bill and the mortgage payment on product, but I don't think you're supposed to say that out loud on a public forum. It's considered gauche.